Should insurance companies cover smokers?

Question

I need answers and fast...I have a project on this due in less then a week!!!

Answer 1

They do cover smokers. There is a fee for this type of health risk behavior.

If you paper is due soon, shouldnt you be doing it instead of asking us to do it for you?

Answer 2

Well, they DO. It's like asking, should insurance companies cover gays (aids risk). Or women (childbirth expenses). Or worst of all, FAT PEOPLE (don't want to START listing the expenses of health related issues for obese people!!).


It's good public policy to cover these people, although they seriously cut into the profitability of the insurance companies. Because of that, high risk behaviors such as overeating, smoking, and giving birth are subsidized by people WITHOUT those high risk behaviors.

Answer 3

Why shouldn't they? People pay for insurance, don't they? Are you also going to eliminate people who eat fattening foods? How about those that don't exercise? People who drink, or maybe just the ones that drink and drive? Then there are those people who lay out in the sun and give themselves skin cancer, what about them? How about people who walk at night in Washington DC?

In short, you are picking one bad habit and discriminating against it. I know its politically correct to trash smokers and it brings in tax revenue. But when they eliminate smokers who are they going to tax and eliminate next? When are you going to be on a list of somebody with bad habits? You support this type of discrimination now and it will surely get to you sooner or later.

Answer 4

They do typically the company will charge between 30-40% more

Answer 5

Why not. Money is king. Insurance companies are not charity. THey are out to make money for their shareholders. Why not.

Answer 6

I vote yes.

I'm a non-smoker and I want a discount for it.